Audi Q4 e-tron Finance, APRs & Pricing Explained
Found your Q4 e-tron and got a finance figure from the dealer? And you're not sure if it's the best rate available. What you need is an actual comparison.
Prefinance runs that comparison for you: we take the dealer's own finance example for the exact Q4 e-tron you're looking at and compare it against the best available rate from our panel of finance brokers for that type of vehicle. On average, that delivers savings of up to 30% against dealer finance across many deals. The rates and calculations below are correct at the time of posting but are subject to change.
Audi Q4 e-tron finance examples
Vehicle | Cash price | Deposit | Amount of credit | Term | Rep. APR | Monthly payment | GFV | Monthly saving vs dealer | Finance type* |
|---|---|---|---|---|---|---|---|---|---|
2022 Q4 e-tron Sport, 55,514 miles (quoted 17 Apr 2026) | £14,999 | £1,500 | £13,499 | 48 months | 8.9% | £248.82 | £5,052 | £45.30 | PCP |
2023 Q4 e-tron 35 S line Sportback, 55kWh, 34,778 miles (quoted 12 Apr 2026) | £21,990 | £2,750 | £19,240 | 48 months | 8.9% | £320.81 | £9,095 | £45.70 | PCP |
2026 Q4 e-tron 45 Black Edition, 82kWh, 8 miles (quoted 11 Apr 2026) | £39,995 | £4,000 | £35,995 | 48 months | 8.9% | £542.42 | £20,249 | £67.56 | PCP |
Q4 e-tron, 10 miles (quoted 3 Feb 2026) | £59,999 | £6,000 | £53,999 | 48 months | 8.9% | £1,330.97 | £1,413.07 | £72.10 | PCP |
Across Audi finance generally, Prefinance customers have seen an average APR of 8.78% through our panel against a dealer average of 12.09%, working out to an average monthly saving of £54.46 and an average total saving of £2,620.24, based on 293 comparisons. Your personal saving depends on your credit profile, the lender, and the specific deal in front of you.
What's the difference between PCP and HP on a Q4 e-tron?
Both are hire purchase agreements in the legal sense — the car isn't yours until the final payment clears — but they split the cost differently. HP spreads the full price, minus your deposit, evenly across the term, so every payment builds toward ownership, usually at a higher monthly figure. PCP, which all four examples above use, defers a chunk of the price to a Guaranteed (Minimum) Future Value at the end, keeping the monthly payment down; you can then pay it to keep the car, hand it back, or roll it into your next one.
One assumption underpins the instant comparison: Prefinance assumes the new lender's GFV matches the dealer's own. If your matched broker structures it differently, your real monthly payment could come out higher or lower than the illustrative figure.
What's different about financing an EV like the Q4 e-tron?
A couple of things worth knowing that don't apply to a petrol or diesel car. GFVs on electric vehicles have historically been set more cautiously than on petrol equivalents, because used EV values have been harder to predict; battery condition, a fast-moving new-EV market, and swings in second-hand demand all feed into how a lender sets that figure. That's improved as the used EV market has matured, but it's still worth checking the specific GFV you're offered rather than assuming it'll match a petrol car's.
Running costs per mile are usually lower than a petrol equivalent, which is worth weighing against the finance rate when comparing a Q4 e-tron to a similarly priced petrol SUV.
How does Prefinance work out the saving?
You give us the vehicle — by registration, by make and model, or by pasting in a link from a dealer site or a listings site like Autotrader, provided that page shows a finance example. We read the dealer's own quote and compare it against the best available rate from our broker panel for that type of vehicle. The comparison assumes you'd qualify for the panel's best rate, which depends on your credit profile, and that the dealer you're buying from is FCA authorised. Every comparison you run is saved, so you can come back and check previous ones too.
Representative APR means at least 51% of customers offered finance by that provider get that rate or better, a genuine benchmark, not a guarantee of your own rate.
What affects the rate you're offered?
Credit score does most of the work, but deposit size, term length and the car's age all move the number too, as the table above shows — the newer, higher-spec Black Edition carries a larger monthly figure than the older Sport model, partly reflecting its price and partly its rate. And a factor most buyers never think about: dealers and brokers earn commission for arranging finance, which is a genuine reason two near-identical Q4 e-trons can be offered at different rates by different dealers; exposing that gap is a large part of what our comparison actually does.
On the maths: a flat rate of 5% on £20,000 over four years works out to roughly £1,000 a year in interest. As a rough rule of thumb, APR runs at close to double the flat rate, so a 5% flat rate typically shows up as something like a 9.8–9.9% APR.
What to check before you apply
Confirm the deposit and mileage in your comparison match the dealer's actual quote — the deposit is editable, but a mismatch elsewhere skews the result.
Ask what happens to your monthly payment if the matched lender's GFV differs from the dealer's — this is worth extra attention on an EV, where GFVs can vary more between lenders.
Read the broker's full representative example before signing anything — it carries the exact figures for your deal, not the illustrative ones above.
If a quoted monthly payment looks unusually high relative to the car's price, check whether the final payment is a genuine GFV or a near-zero balance — as the fourth example above shows, that can distort the monthly figure significantly.
None of this tells you upfront whether the dealer's Q4 e-tron quote in front of you is already competitive, as sometimes it is. The only way to know for sure is to run the comparison on your specific car and see what the broker panel comes back with.